10201 40 6 by TREB Executive Marketing LLC

SKAGIT, ISLAND & SAN JUAN COUNTIES, WA

HOME & LIFESTYLE GUIDE Volume 40, Issue 6

Rambler ACTIVE ADULT 55+ COMMUNITY TEXT R802045 TO 52187

PRSRT STD US POSTAGE PAID BLAINE, WA PERMIT NO. 106

ECRWSS Postal Customer

10201.40.6 cover.indd 1

DANYA WOLF

Realty, LLC RealEstateBook.com Skagit Tradition (360) 708-8294 To Advertise, Call Sharman @ 360-333-9566

Cover home on page 6.

5/25/2018 4:24:32 PM

TEAM DRINA

A Tradition of Trust!

WWW.DRINAMCCORKLE.COM

SWEEPING WATER VIEWS

Luxurious Anacortes condo! Wake up every morning to water views from the spacious master suite. Views continue in the great room, w/ living, dining and kitchen combined in an open floor plan. Or take in the water view from the covered patio. High-end kitchen remodel (2015) w/ state of the art appliances. No detail overlooked from the hardwood floors, to the 3 sided fireplace, or the grand master bath. Close to forest lands, trails, ferry & all that the PNW has to offer!

MLS:1261579 | $799,000 | Text R737798 to 52184

BUILD IN FIDALGO BAY ESTATES

Gated community of acre+ lots with custom homes minutes to Anacortes. 1.068 acre lot borders the Forest Lands for added privacy & hiking trails. Serene & natural setting with Eagles soaring above. Natural gas, city water & septic design for 4 bedrm, plans are available.

MLS:1219955 | $149,000 | Text R614139 to 52184

DRINA MCCORKLE B r o k e r, C R S , S R E S Jane Davidson, Broker 360-610-7231 janed@johnlscott.com

360-661-4472

drina@drinamccorkle.com ANACORTES 3201 COMMERCIAL AVE ANACORTES, WA EACH OFFICE IS OWNED AND OPERATED INDEPENTLY.

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R E A L

E S T A T E

5/25/2018 4:42:22 PM

Bert Clay

Direct: 360.202.5430 bertclay@johnlscott.com bertclay.johnlscott.com

Anacortes Residential Properties

ISLAND LIVING AT ITS MOST CONVENIENT! Gorgeous 3BD 2.75BA 3132sf home has every amenity for a relaxing coastal lifestyle. Level entry with open floor plan. Walk to beach, trails, and parks. Great for entertaining, including a gourmet kitchen and cozy bar. Lower level has bonus room and third bedroom, full bath and patio. Ample closets throughout, and large storage area with wine rack. Utility sinks in laundry and garage. Watch eagles and osprey from your deck at sunset. Grounds professionally maintained by HOA. MLS:1292255 $719,000

Text R816256 to 52187 NEW VILLA WITH A VIEW 3BD 2+BA 2190sf in Portalis. Spacious open concept, sleek modern design. Main floor living with all amenities; large 2 bed rooms on lower level with separate entrance. Marine/landscape/ waterfall views from both levels. Short walk to Ship Harbor Beach, Guemes Channel Trail and San Juan ferry terminal. MLS:1258339 $630,000

Text R728916 to 52187

R E A L

E S T A T E

This office is independently owned and operated.

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$4 40 ,0 00 $1 ,5 75

DREAMING OF LIVING IN THE COUNTRY? 4BD 2.5BA 2022sf on 1.3 acres with gorgeous views of the surrounding mountains! This home features a huge rec room upstairs plus an extra bonus room. The main level offers a cozy living room w/ propane fireplace, nice kitchen w/ wood floors, built-in pantry & spacious dining area. Heat pump, 3 car garage, RV/boat parking, plus lots of additional parking! Chicken coop, dog kennel, patio screens, refrigerator & workbench in garage are also included! To see more photos & information, Text R802022 to 52187

EXQUISITE WATERFRONT ESTATE! Distinctive ﬁnishes & walls of windows from every room that capture the stunning views of Saratoga Passage, Penn Cove & Mt Baker. Rich with granites, hardwoods, & architectural details! Wake to amazing sunrises & watch eagles soar over the enchanting gardens w/ terraced patios, outdoor ﬁreplace & artists studio. Direct access to the community beach to enjoy great clamming, crabbing, & more! Text R711742 to 52187 to see more photos

www.MichelleFoggin.com

Michelle Foggin

(360) 333-1549

michellefoggin@remax.net

GATEWAY

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360-630-9692 laura@laurabird.net

2017 Award Of Excellence Winner

LT O

www.laurabird.net

CLEAN & AFFORDABLE 2BD rambler out of ﬂood plain.Vaulted ceilings make it feel bigger than it is. Back covered deck overlooking farm ﬁelds. All appliances stay. Great starter home and Move in ready! $199,000 Text R816329 to 52187

IL TE

LEVEL 5 ACRES Residential building lot. One home + One ADU zoning. Not in ﬂood plain. Electricity at street. Nearby wells produce good water ﬂow. Property lines clearly marked from recent survey. $77,000 Text R612846 to 52187

PLEASANT RIDGE Victorian 5BD 2+BA 4848sf overlooking tulip fields & Mt Baker. 4 floors, huge living room w/ red oak floors, granite gourmet kitchen, & full studio on bottom floor w/ 2nd kitchen. Barn. 2+acres. $749,000 Text R612849 to 52187

OLD TOWN Waterfront beach condo overlooking Sound & mountains. Secure building w/elevator, gym, covered parking garage, boat lift, swimming pool. Boat storage + 2 parking spots. $619,900 Text R746573 to 52187

Kim Grayson Mortgage Loan Officer

NMLS#290800

360.708.9313 “The best compliment I can receive is the referral of friends and family!” Page 5

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On The Cover

NW CONTEMPORARY RAMBLER IN MOUNT VERNON 55+ ACTIVE ADULT COMMUNITY Built for easy access! Study/den/bedroom with French door off tiled entry. Lovely kitchen with pantry, granite counter tops, natural gas range, breakfast bar. Natural gas fireplace & covered patio w/ sun shades. Master suite w/ easy access shower. Lots of storage. Active Adult Community offers Tuesday morning coffee in Club House & monthly newsletter of events. $365,000 To see more photos & information, Text R802045 to 52187

Danya Wolf Broker/Owner 360-708-8294

danya@skagittraditionrealty.com

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Service with Expertise and Style Margi Houghton

360-202-0041

margi@windermere.com

Windermere ANACORTES PROPERTIES

margihoughton.com

HARBOR VIEW ESTATES

CUSTOM WATERFRONT HOME

Beautiful panoramic views from this elegant 3278SF, 4BD/3BA home. Open floor plan, wall of windows, vaulted ceilings, spacious kitchen w/top of the line appliances, Travertine tile. Large master suite. Upper level has 2BD/1BA. Very private back yard w/paved RV parking & cement tile roof. Three car garage. MLS# 1281249 $1,050,000

Completely remodeled. 210’ of waterfront, path to beach w/view deck. Great room, vaulted ceilings, wall of windows, Gas FP, bamboo flooring & large decks. New modern kitchen, high end SS appl’s, Bosch gas stove, butcher block island. Main level master, lower level family rm w/FP, 1BD 3/4BA. Loft guest rm. MLS# 1271830 $818,700

100’ LOW BANK WATERFRONT HOME

20 ACRE HIGH BANK WATERFRONT

Rare 2.78 acre lot w/100 feet of beach. 1288 SF home, 3BD/1.5BA, one level, open floor plan for dining/kitchen area, two decks for entertaining. Two car garage w/bonus room. Solar panels on roof gives ample power & annual credit from PSE back to owner is $3200. Moorage buoy. MLS# 1281341 $775,000

Rare 2200’ high bank waterfront has a custom home built with log timbers & cedar siding, tile roof, great room w/vaulted ceiling, wall of windows that bring in the light and views of Mt. Baker & Padilla Bay. Separate guest house built with timbers and loft. Off the grid, solar system, inverter, batteries & generator. MLS# 1287342 $698,000

STUNNING WATERFRONT HOME

VIEW CABIN WITH 3 PARCELS

Beautiful, high bank waterfront, 3213 SF home with spectacular views. Living room w/marble fireplace, vaulted ceilings, wall of windows, Chef’s kitchen w/island. Dining room w/gas FP. Family room w/Morse wood stove. Large deck. Upper level: Large landing, master suite + 1BD 1BA, studio loft. MLS# 1271300 $679,000

Stunning views! Charming Pan Abode cabin w/open floor plan, 1BD/3/4BA. Living room with vaulted ceilings, wood stove and fir floors, deck w/views. Property consists of 3 parcels, 2 addresses, 2 water shares, 2 septic systems & lot certification. Ready to build your dream home. One parcel is high bank WF. MLS# 1271751 $445,000

VIEW LOT WITH COTTAGE

VIEW LOT AT THE ISLES

Wonderful view lot above a well-built cottage. Main level has tile floors, fir stairs/banister, 2 BR loft, custom bath w/tile shower & covered porch. Large storage building. Moorage & beach rights at three coves. MLS# 1271229 $275,000

Stunning view lot at the Isles. Great location in Anacortes; minutes from downtown, state ferries, and WA Park. All city amenities are at the lot. A preliminary rambler house design is available. The Isles offers a clubhouse, community maintained grounds, & one car garage space in community garage. MLS# 1228303 $185,000

See more photos at: 10201.40.6 MargiHoughton.indd 1

margihoughton.com 5/25/2018 4:54:31 PM

KAREN EVERETT

360.202.7373 | kareneverett@cbbain.com Fabulous Guemes Island, Anacortes and beyond! Broker with many years experience helping folks get their goals accomplished. See you on the ferry :)

ND LA

180° VIEWS! Cottage w/loft & apt over shop. High bank 0.72 acre WF. Stair easement to beach. MLS:1212620 $635,000 Text R591187 to 52187

ON THE BEACH 3BD 3BA next to island's best boat launch. High-end ﬁnishes. Shop/RV pkg. MLS:1278890 $669,000 Text R782898 to 52187

THE TOWER HOUSE Art, engineering & whimsy meld together on 2.29 acres & 100' no-bank WF. MLS:1203630 $1,190,000 Text R564876 to 52187

CA S

ON TOP OF THE WORLD! 4BD 4BA 4454sf Villa w/ dramatic mtn & water views. MLS:1283221 $1,125,000 Text R792748 to 52187

AC O

LA IS EM

NEW PRICE!

ND LA

NEW LISTING! Fairytale 3BD 2BA on huge 0.75 acre lot. Fenced garden, chicken coop. MLS:1295434 $285,000 Text R822326 to 52187 ND

NEW PRICE!

2017 Award Of Excellence Winner

AMAZING VIEWS 2587sf home on 6± acres on Mt Constitution. Guest apt over garage/shop. MLS:1285870 $975,000 Text R798674 to 52187

Call me for LAND OPPORTUNITIES on Guemes Island

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P R E P A R I N G Y O U R YA R D

for Summer

Enjoyment

ow that warm weather has returned, itâ&#x20AC;&#x2122;s time to safely begin the annual cleanup to prepare your yard for months of summer enjoyment. With the help of a professional landscaper, your yard will be ready and looking great in no time. Start by evaluating your lawn. Look for bald spots where grass has grown sparsely and needs reseeding, or uneven areas that may need to be filled and leveled. Before you take steps to correct any problems, you'll need a clean slate. Call your landscaper to help you clear the yard of any leaves, rocks or sticks that may have accumulated. Then cut the grass as short as possible. Your landscaper will then break up the soil in bare spots to create an environment that will be hospitable to new seed. Lawn soil will then be added to level the surface. An herbicide will also need to be applied to treat weed-infested areas. Allow the weed killer to work for about a week then rake again to remove dead weeds. Then you're ready to over-seed or spot seed, depending on your lawn's needs. Your climate will determine the best grass varieties for your yard, and your landscaper will help you lay down the appropriate sod or seed. Be sure to also select a fertilizer that is consis-

tent with your grass type and water thoroughly to promote deep root growth, which can help your lawn withstand extreme conditions as temperatures rise. Your lawn isn't the only part of your yard that needs attention though. Your garden and flower beds may need some care before they, too, are ready to burst with new bounty and color. Begin by clearing your garden and beds of any debris like leaves and other matter that piled up during months of neglect. Gently turn the soil and work in fresh fertilizer. Before you get your landscaper to plant new shrubs and flowers, it is the ideal time to make repairs. Check edging for any damage, replace rotted woodwork and complete any other maintenance tasks. This is also a great time to explore and add new landscaping features, such as a retaining wall, pond, or stone pathway. Your landscaper will help you choose the features that will go best with your home. By getting some of your lawn and garden care taken care of now, you will be able to take full advantage of sunny summer days outside. So reach out to your local lawn service or landscaper today!

Is Your Bedroom Designed for Sleep? S

ounds like a dumb question, right? However, in reality, the reason you might not be sleeping as well as you should might have a lot to do with whatâ&#x20AC;&#x2122;s going on in your bedroom.

According to the Better Sleep Council (BSC), the nonprofit consumer-education arm of the International Sleep Products Association, getting adequate sleep can positively impact every area of your life, from your productivity on the job, to your eating habits and fitness goals, to your relationships. In fact, a recent survey from the BSC suggests that getting more sleep may be the key ingredient to keeping Americans on track for meeting their 2018 goalsâ&#x20AC;&#x201D;27 percent chose getting more/better sleep as a resolution for the year, and those respondents also reported other health-related goals, such as exercising more (69 percent) and staying fit and healthy (68 percent). Also, Americans surveyed who wanted to prioritize sleep in 2018 planned to do so by getting to bed earlier (65 percent), maintaining a consistent bedtime (62 percent), and having new nighttime routines (53 percent). Almost half of those surveyed said they also plan to upgrade their sleep environment by purchasing a new mattress or other bed-related items.

The BSC offers these other suggestions for improving your sleep habits:

Consider your window treatments. If you’ve committed to getting to bed early, keep your window treatments sheer. Natural light filtering in as the sun rises will help wake your body naturally—the perfect way to start your day. Installing sky lights can also provide wakeful sunlight. However, if you can’t seem to ditch the night-owl habit, room darkening curtains or shades may be necessary to ensure you get the extra hour or two you need in the morning.

Adjust the lights. For each lamp in your bedroom, decide what purpose it will have and choose a light bulb with appropriate wattage. For example, a bright light may be necessary near a mirror or for a standing lamp. For bedside lamps, lower wattages (45 to 50 watts) offer ambient light or gentle light that are best for reading. Lampshades can help dim lights as well. Installing a dimmer switch will allow you to control the brightness of all the lights in your room as you need it. This is especially useful with overhead lights.

Ditch the distractions. Avoid the distraction of social media and emails by setting your phone to automatically go into Do Not Disturb mode during

sleep hours, and leaving your tablet and laptop in another room altogether. While you’re at, do you really need a TV in your bedroom? Opt for a pile of books on your nightstand as reading relaxes the mind and helps induce sleep, while screens keep your brain wired. Spruce up your bedroom décor as well by replacing your TV stand with a nice bookcase or chair and ottoman for reading.

Analyze your bed. Consider whether it’s time for a new mattress. If you’re waking up a lot during the night to shift positions, it could be due to a mattress that’s not supporting you properly. Same for your pillows. Are they too soft, too firm, or just right? Also make sure your sheets, blankets and comforter offer the perfect balance of softness and warmth without making you overheated.

Keep it cool, even in the cooler weather. A comfortable sleeping temperature is between 65 and 67 degrees Fahrenheit, so turn on an air conditioner or lower the thermostat before bed for an optimal sleeping climate. If cracking open a window gets you to that temperature range, all the better, as fresh air makes for even healthier sleep. And when the temperature is cooler at night, it has the added bonus of helping you save money on running the AC.

Make daily sleep appointments. Develop a routine in which you go to bed at the same time and wake up at the same time every day. Sticking to these appointments will help you in all of your other routines and scheduling as well. As you work on perfecting your nighttime sleep routine, remember that it’s not a bad idea to catch a power nap during the day if and when you can. A quick 20-minute snooze can work wonders and actually help you sleep better at night. Reprinted with permission from RISMedia. ©2018. All rights reserved.

6 WAYS

to Get Ready to Sell Your Home This Summer

Summer has long been one of the best and most popular seasons for selling a home. If you’re ready to put your home on the market, follow these steps to make sure you’re in prime showing shape for the summer selling season.

1. Find a real estate agent. Use this time to interview several agents and make the right selection. Choose an agent with excellent local market expertise, technology savvy, and negotiating skills. The relationship you have with your agent is important, so be sure to select someone you connect with and communicate well with. 2. Make necessary repairs. If your real estate agent advises that certain repairs be done prior to listing your home, take the time to contact the appropriate contractors or service providers to help make the repairs. Make them before you list your house, as they will likely affect the price at which you can list your home. 3. Have a painting party. There’s likely more than one room in your home that will need to be painted before it hits the market. Stick to neutral colors that help to tone down a space, as bold colors can reduce offers. Spend the next few weekends accomplishing the task. 4. Pack up. Now is the perfect time to start packing up unnecessary items. Not only will this give you a head start on your eventual move, it will declutter your home for optimal showing purposes. 5. Stage your home. Staging helps to focus on your home's strengths, downplay any weaknesses and appeal to the largest pool of prospective buyers. Move furniture around for better flow, which makes rooms seem larger. Use brighter light bulbs in lamps and fixtures to add more light and open up windows. Spruce up the kitchen cabinets with a coat of paint or at least new hardware. 6. Plan a photo shoot. Once the essential cosmetic changes have been made, talk to your real estate agent about the best time to photograph and film your house. Make sure your surrounding property is camera-ready too. Gather photos of your garden in full bloom and your pool or patio under the bright sun so that your agent can add them to the listing.

Your trusted real estate agent will have other directives based on the specifics of your home and its location. Be sure to heed their advice as they know what it takes to get a home sold.

Debbie Macy 360.391.2422 www.DebbieMacy.com DebbieMacy@Windermere.com

REAL ESTATE

R O

2017 Award Of Excellence Winner

Windermere Real Estate / Anacortes 3018 Commercial Ave Anacortes WA 98221 800.327.5291

PHENOMENAL BUILDING SITE on south Fidalgo Island. 5 acres with views of Mt. Baker, Cascades, Campbell lake & Similk bay. The private road winds through the fir & cedars to the top. A portion of the property is adjacent to WA State Park-lands. Community well, underground utilities are near building site. $599,000 Text R777877 to 52187

CHARMING TRADITIONAL STYLE HOME on 15 +/- acres just minutes to ferry on Guemes Island. Generously sized kitchen w/breakfast nook making space for everyone including fun separate living space in the outbuilding. Beautiful flat pastoral setting w/forest lands to the west, ponds & fencing for animals. $429,000 Text R822354 to 52187

Pending

RARE OPPORTUNITY! One-of-a-kind premiere boathouse at the Gateway to the San Juans. Unique/impressive design, 85’ X 24’, up to 92’ yacht. Galvanized steel, concrete float design,gangway access, remote control roll-up boat drs. Mezzanine level can be finished into office or living quarters. $650,000 Text P1003234 to 52187

DESIRABLE UNDEVELOPED PARCELS in the heart of Anacortes. Enjoy water views of the Guemes Channel, Cypress & Guemes Islands from southern portion of the property. Great investment opportunity, large estate type building sites, or develop into multiple homesites. Wonderful location! $290,000 Text R554518 to 52187

C O R

GREAT VIEWS of the San Juan ferries & shipping traffic on Guemes Channel & Rosario Strait. Great room featuring vaulted ceilings w/ gas fireplace & doors to large deck. Entertain in the conveniently located dining. Elevator to completely new lower level MIL unit w/ full kitchen, laundry, 1 bdrm, full bath, living and bonus rm. $699,000 Text R554525 to 52187

ANACORTES Spectacular sunsets and broad west/ northwesterly views from this Rock Ridge lot. Enjoy the privacy this lot affords on the dead end street bordered by Anacortes Community Forestlands. This beautiful lot has all utilities available. $250,000 Text P334001 to 52187 Page 9

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Burlington 360-707-2312

111 E. George Hopper Road Burlington, WA 98233

Anacortes 360-299-0565

3010 Commercial Avenue Anacortes, WA 98221

We are proud of the heritage 'Land Title and Escrow Company' has in the communities we serve.

Local professionals serving our communities. For all your Title and Escrow needs!

Shelley Miner

Diane Mills

Katey Von Hagel

Escrow Manager/LPO

Marketing Representative

Burlington

Anacortes

360-707-1076

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WHIDBEY ISLAND

32800 Hwy 20, Oak Harbor, WA 98277 • Each office independently owned and operated.

Terri Neilon, Designated Broker 632-4895

Kathi Phillips

Paige & Tony Bates

PR I

Terri Neilon

Acorn Properties, Inc.

360-679-4585 • (800) 225-0919

COUPEVILLE 3BD 2.5BA 2133sf in Pondilla Estates with community beach access. Great room design, soaring vaulted ceilings, living room with gas fireplace & wood flooring. Lower level family room & bonus room. $435,000 Text R758519 to 52187

SUNRISE HILLS 3BD 2.5BA 2329sf rambler w/ spectacular views of Skagit Bay & the Olympic & Cascade Mountains. Wet bar. Family rm w/ a cozy pellet fireplace & panoramic views. 2 car garage. $495,000 Text R822333 to 52187

OAK HARBOR Have your boat & view, too! 3BD 3BA 2478sf on .36 acre lot. Great room with designer kitchen. 5 car garage w/ built-in cabinets & 2 decks. Extras galore. Water feature. New paint. Perfect Whidbey retreat! $649,900 Text R397452 to 52187

OAK HARBOR Move in ready onelevel island condo! Close to all shopping, schools, and NAS Whidbey. Spacious rooms and a large utility/ den. All this and a single car garage makes this a wonderful home. $159,000 Text R481186 to 52187

OAK HARBOR 5 acres parcel on Scenic Estates Lane. Enjoy spectacular sunrises and the best of country living. Beautiful views of the Cascade Mountain Range. Near shopping, schools, marina facilities & NAS Whidbey! $198,000 Text R764947 to 52187

OAK HARBOR Renovated 3BD 2BA rambler minutes from NAS Whidbey. Hardwood floors, Master suite w/custom granite double vanity & amazing custom kitchen! Fully fenced back yard w/ 4 person hot tub. $329,000 Text R758525 to 52187

Nick Ricci

Katie Trolson

Alisha Legaspi

Wayne Locke

Christina Schultz NORTH WHIDBEY Nearly 10 acres! PATTON’S HIDEAWAY Enjoy Country OAK HARBOR 1.45 acres of usable

Sheila Davies

Approximately 1/3 in marketable timber, remainder in grasses, could be pasture land.Will need well & access road. Pleasant territorial views warmed by southern exposure. $110,950 Text R506032 to 52187

living minutes from city. Complete remodel incl floors, roof, cabinetry, appliances & more. Kitchen w/new cabinetry, island, pantry & stainless appliances. 300’ deep lot. $359,500 Text R714266 to 52187

land (1.61 acres total). Strategically located for the proper business. Easy on and off access to both State Route 20 and Sleeper Road. Motivated seller. $69,950 Text R751379 to 52187

R H O D E N A B E A C H Waterfront! Professionally engineered by Schemer Johnson Firm. 46 windows, wood beams, Tiger wood & Marble floors. Cedar shingle siding w/metal roof. Radiant heat. Shop, shed. $920,000 Text R764957 to 52187

COUPEVILLE Beautiful investment! 9500+ sq ft lot with views of Olympic Mountains & the shipping lanes. 2BD off site drainfield available with reserve. Adjoining lot is also available. Located in Sierra Country Club. $35,000 Text R708183 to 52187

COUPEVILLE Look to the future! Beautiful Western views of Olympic Mts. and shipping lanes. 3 BD off-site drainfield available. See Sierra Country Club website for information regarding water availability. Adj lot avl. $35,000 Text R708180 to 52187

Chas Webster

Jim Neilon

Cristie Arnold

To View All NWMLS Listings, Visit Our Website www.OnWhidbey.pro

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AMERICAN DREAM REAL ESTATE SERVICES, INC.

SEE MORE! Text the Property Code to 52187 & see more photos & information!

1202 COMMERCIAL AVENUE, ANACORTES, WA 98221

360-588-1515 • Fax: 360-588-1500 • Toll Free 1-866-588-1515

SOUTHEAST Guemes Island overlooking Anacortes, Cap Sante, & Guemes Channel. 3 lots total .91 acres. Critical Area Review complete. $179,000 Text R468267 to 52187

B EY EW D

S EW VI ER K G IN ST LI EW N ES M O H

D H

SKYLINE CONDO Peek-a-boo water view from Master. Skylights throughout, wood burning fireplace in living room. Near Burroughs Bay, Marina. $269,000 Text R773885 to 52187

BEAUTIFUL LOG HOME 3,000+ sqft on 3.32 acres. Complete Viking appliance package, maple floors & granite. 36x60 shop with office/bath & kitchen. $849,000 Text R465380 to 52187

ES C A 32

CUSTOM HOME SITE Spectacular views of the bay, straight, islands, and sunsets. One of six lots. Deeded access to a private beach area. $350,000 Text R560958 to 52187

L IS

ANACORTES 4BD 2.5BA 2665sf split level w/ MIL suite & separate entrance. Views of Mount Baker & Fidalgo Bay. Duplex potential! $349,000 Text R611275 to 52187

S 3.

SWEEPING VIEWS of Mount Erie and Mount Baker. Waterfront landing w/ private dock. 160' waterfront w/ plenty of room to entertain. $449,000 Text R743898 to 52187

H O M E S T E A D E R’S D R E A M 3BD 2.5BA 3592sf home on 2.5 acres. 4 stall horse barn & fenced pastures. Large vegetable garden w/ a shed. $479,000 Text R768947 to 52187

GREAT RAMBLER 3BD 2BA walking distance to beach. Large lot & shop. Perfect for Horses, gardens and potential views. Don’t miss this one! $389,000 Text R811693 to 52187

LA KE

ANACORTES 4BD 3BA 2369sf w/ well maintained landscape. Good flowing floor plan with high ceilings. Granite counter tops Peek a boo views! $505,000 Text R773862 to 52187

CA M PB EL L

IN ST EW N

SALTWATER VIEWS 3BD 3BA 3388sf w/ master on main. 1.22 acres w/ couthern exposure. 3 car garage. 2nd lot w/ shop + 2 tideland lots. $1,285,000 Text R631300 to 52187

www.adrhomes.net

‘THE BUCKLEY’ 1 of 9 new contemporary homes by Doe Run at Sunset Cove. Outdoor ‘alfresco’ area brings Nature & Home together. $625,000 Text R649539 to 52187

JACOB’S MEADOWS 3BD 2.5BA new construction by NW Choice Construction. Main level master bedroom. Large deck w/ covered porch. $542,700 Text R495581 to 52187

Fulfilling Northwest Family Dreams! Page 13

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Windermere Lopez Island

HOME AND ACREAGE

Passive solar design 2BR/ 1.75 BA home on 5 ACS. 2,475 sq ft interior with an attached 2 car garage, full basement, greenhouse, garden design & fiber-optic internet. #1264032 $575,000

Text R802011 to 52187

SOUTHEND LOT

Lightly wooded 1.5 ACS midway along Eliza Road in Cape St. Mary Estates. Walking path into the middle of the property w/ water & power to lot line. Community beach access. #1133042 $95,000

Text R365554 to 52187

FISHERMAN BAY VIEWS

Custom designed home w/ expansive windows & skylights. Fenced garden, mature fruit trees, studio w/ composting toilet & storage shed. Whiskey Hill Dock a plus! #1270179 $545,000

Text R792250 to 52187

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FISH BAY VIEW AND ACREAGE

Snap up this shy 2 AC overlooking Fish Bay. Great ferry lane views. Solid CCRs. Broadband avail, needs to be brought in by new homeowner from the street. #1101065 $350,000

Text R303794 to 52187

SUNNY “OLD LOPEZ” FARM

25 ACS w/ southern exposure & water views from unique 2 BR home attached to a barn. Studio space has 3/4 ba & corner kitchen. 2 fenced garden areas & fruit trees. #1282383 $955,000

Text R794412 to 52187

NO BANK WATERFRONT LAND

Crab & kayak on Mud Bay. 1.6 ACS w/ 175 ft of no bank WF. Established neighbors. Adj. parcel has preservation restrictions. Listed below county assessed value. #1282558 $269,000

Text R794416 to 52187

5/25/2018 4:52:20 PM

360-468-3344 Toll Free: 866-468-3344 www.wrelopez.com 182 Lopez Rd, Lopez Island, WA 98261

TERRITORIAL VIEW ACREAGE

North end 6.85 ACS just minutes from the Village yet private & secluded. Open & sunny w/ pockets of trees & a mature orchard. Power in w/ well & septic needed. #1265346 $184,000

Text R794436 to 52187

LARGE LOT ABOVE FISHERMAN BAY

1.41 ACS at very top of peaceful Mariner Hill w/ water, power & phone to lot line. Boat launch, marinas & float plane access are at the bottom of the hill. #1166656 $289,000

Text R470827 to 52187

WEST FACING WATERFRONT LOT

Madrona & mossy rocks dot this .79 AC 102’ high bank lot. Sunset views! Comm. water, power & fiberoptic internet at the lot line. Convenient northend location. #1115470 $238,000

Text R342055 to 52187

10201.40.6 WRELopez.indd 2

READY TO BUILD WATERFRONT

Enjoy Sound & Cascade Mtn. views from fairly level lot w/ electricity, water & 4 BR septic system. Path to the WF & community beach access to pebbly beach nearby. #1231270 $249,000

Text R652831 to 52187

PEACEFUL SOUTHEND LAND

Island bound? A 1+ AC of land for sale on Lopez Island. Forested lot near the south end beaches. The adjacent lot also for sale. Owner financing is possible. #1224759 $60,000

Text R632881 to 52187

SOUTH END STARTER LOT

Southend interior lot near Hunter Bay Dock. Community 50’ beach frontage w/ small park nearby. Includes a share in the new community water desalinization system. #1080654 $79,000

Text R240318 to 52187

5/25/2018 4:52:21 PM

Jackie Lindeman

Sandi Riley

360-770-9080 jackielindeman21@ yahoo.com

360.770.8670 SandiRiley@ Century21.com

North Homes Realty, Inc 526 E. College Way, Mt Vernon WA 98273

Use your “SmartPhone” to TEXT for more pictures & info!

PRESSENTIN CREEK 3BD 2BA open plan home w/ large covered deck + Skagit River nearby. Over 1/2 acre. Ramp entry, level yard. $208,900 Text R820296 to 52187

BURLINGTON Redone inside & out! New wood ﬂoors, gas furnace & ducts, Tankless water heater, cabinets, trim and doors, and more! $335,000 Text R560927 to 52187

OAK HARBOR Move in ready Starter/Investment home! 3BD rambler on large corner lot. Partial view of the sound, nice sunsets too! $248,500 Text R794446 to 52187

MOUNT VERNON Potential! 3 extra sewer stubs on site for building opportunities. 5BD 1.75BA 2062sf on 1.14 acres w/ fruit trees. $425,000 Text R725598 to 52187

HAMILTON Amazing mountain views! Build new or make use of the existing home! Outbuilding, fruit trees, level land. Cash oﬀers only! $98,900 Text R753930 to 52187

-P

MONTREAUX 55+ Gorgeous 3BD 2.5BA 2779sf by Landed Gentry. Open plan, no steps on main ﬂoor. Granite kitchen. Covered patio. $534,500 Text R796671 to 52187

CONCRETE Beautiful 1/2 acre lot in Cape Horn area, MHs ok. You can still get your piece of paradise with this nice lot. Has lots of potential. $45,000 Text R352926 to 52187

LD SO

SEDRO-WOOLLEY Great location! 3BD 1.75BA units w/ fenced yard, RV & boat storage. Garage + extra parking. Minutes to downtown. $379,000 Text R802028 to 52187

MARBLEMOUNT Oﬀ-Grid tiny home w/ AirBNB potential! 2 large loft areas, wood burning ﬁreplace, climbing bookcase/staircase. $59,950 Text R820276 to 52187

SELLING?

SEDRO-WOOLLEY Custom rambler! 3BD 2.5BA on 1 acre, fully fenced. Large Trex deck w/ awning. Shop w/220 wiring. Greenhouse. $425,000 SOLD!

This spot could be yours! Call any of us for a FREE Market Analysis!

Call Your

MOUNT VERNON 3BD 2BA rambler in Rosewood, with common play areas and trails. New beautiful tile ﬂooring in living area. Extra parking. $255,000 SOLD!

TEAM Of the Century

for any home in this book

10201.40.6 C21KohlA.indd 1

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This is why you move to America’s #1 Cities and work with the #1 team!

Anita Kohl

Connie Moulaison

360.661.6164 sharon@ sharonstokes.com

360.961.7795 anitakohl@ Century21.com

360.770.1341 moulaison.connie@ gmail.com

OVERLOOKING BURROWS BAY & Skyline marina. 3BD 2.5BA 2102sf w/ maintenance free yard. Large deck to enjoy sunsets. Wired for gen. $579,900 Text R796681 to 52187

PASADERA HEIGHTS Move in ready 4BD 2.5BA 2333sf. Kitchen w/ granite slab counter tops. Master suite w/ sitting area & soaking tub. $412,000 Text R818204 to 52187

N GT O N LI AR

AC OR

North Homes Realty, Inc

Sharon Stokes

ARLINGTON TERRACE 3BD 2+BA 2006sf on private park like shy 5 acres. New carpets, vinyl, new paint up. Large sun room w/hot tub. Private. $446,900 Text R759248 to 52187

DON' T GIVE YOUR HOUSE AWAY Learn what it's really worth. It may surprise, even shock you, to find out! We offer a Free, Accurate, and Instant professional Home Valuation to all home owners in Skagit, Island, and Snohomish Counties.

What's My Home Worth Today?: www.housevalueWA.com

FREE

MOUNT VERNON Shy 11 Acres in desirable area, FWY close & EZ commute to Stanwood or Everett! Views to West. Great location! $150,000 Text P213581 to 52187

MOUNT VERNON Elegant 4BD 3BA 3112sf estate. River rock ﬁreplace. Gourmet kitchen. Master suite w/ sitting area. Media rm w/ wet bar. $679,000 Text R816253 to 52187

CONCRETE Beautiful Upper Skagit recreational lot w/ power & water. Just bring your RV and spend weekends or all summer at the river. $14,950 Text T1008662 to 52187

BURLINGTON 2 homes overlooking Gage’s Lake. 1200’+ frontage. 2 large shops on property with lots of room for work and/or storage. $975,000 Text R560924 to 52187

BEAUTIFUL SUNSETS! 9.48 acres adjacent to Lake Stevens & Marysville UGAs. 1 acre cleared & graded, the rest in timberland. $2,200,000 Text R782880 to 52187

MOUNT VERNON Adorable 3BD 2BA Craftsman w/ nice yard, covered porch, gas F/A heat & alley accessible garage. Close to all amenities! $289,500 Text R809867 to 52187

Page 17

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OU T! SO LD AS E

PHASE 2 READY!

(IN GREEN)

13 New Homes from the low $400’s RAMBLERS & 2-STORIES 1630 to 2196 SF 2 - 3 Car Garages

Open: Weds - Sun, 1 to 4 DIRECTIONS: I-5 Exit 227, East on College Way, Left on Martin to SummerSun Estates in Mount Vernon

STANWOOD 284th

9 NEW HOMES!

MODEL HOME 28406 69th Lane Stanwood WA

FOR DIRECTIONS set your GPS to: 6915 284th St NW Stanwood

2206sf 3BD+Den 2BA Kitchen w/slab granite island. Covered patio. Landscaped and fenced yard. MLS:1254973 $550,000 Text R722443 to 52187

2301sf 3BD 2BA + Den Open concept vaulted great room w/gas ﬁreplace. Hardwood in great room area. MLS:1254962 $570,000 Text R722435 to 52187

2481sf 3BD 2.5BA + Den & Bonus room. Kitchen w/Aristocraft cabinets. Heat pump. MLS:1254894 $545,000 Text R722440 to 52187

2813sf 4BD 2.5BA + Den + Bonus rm. Den on main level. Landscaped. MLS:1276029 $590,000 Text R781085 to 52187

Your personal mortgage advisor Whether you’re purchasing, refinancing, or investing, I can help you find the loan that fits your life. 2124 Riverside Drive, Suite 211 Mount Vernon, WA 98273 360-419-5218

Call me today.

EMILY POWELL

Loan Officer, NMLS# 1568839

(360) 420-6175

epowell@guildmortgage.net

Guild Mortgage Company is an Equal Housing Lender. Company NMLS # 3274. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10201.40.6 Woodmansee.indd 1

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RO -W OO LL EY SE D

SE D

RO -W OO LL EY

4 NEW HOMES IN GATEWAY HEIGHTS

1987sf 4 BD 2.75 BA New split entry plan with upper level living area w/ gas ﬁreplace. Kitchen w/ granite counters, stainless steel type gas range, hood & dw. Master bedroom w/ ensuite & walk in closet. White painted doors, millwork. Deck. MLS:1200402 $355,000 Text R559658 to 52187

1544sf 4 BD 2.5 BA Split entry w/ vaulted open ﬂoor plan great room. Kitchen with island, Stainless steel gas range, and granite counters. Bedroom, 1/2 bath and family room on the lower level. Tankless water heater. Two car garage. MLS:1201922 $339,000 Text R559650 to 52187

$5,000 Buyer Bonus, Restrictions Apply 360-421-5469

DIRECTIONS: I-5 Cook Road Exit 232. E on Hwy 20 to Left on Fruitdale Road, Left on Portobello Road, Right on Gateway Heights Loop Road.

Coming Summer 2018

34 Lots Available

in Burlington, Skagit County

Lot Sizes: 7,600 - 13,617 SF

Letter of Authorization, MLS # 1298798, held by Kim Woodmansee, JLS/Skagit

Ramblers: 1,701 - 2,007 SF 2 Stories: 1,924 - 2,961 SF Prices from the high $300's

For more information, email info@bykconstruction.com FOR DIRECTIONS set your GPS to: 1824 Rio Vista in Burlington

R E A L E S T A T E JOHN L SCOTT/SKAGIT

KIM WOODMANSEE 360-421-5469

kimwoodmansee@johnlscott.com

KimWoodmansee.JohnLScott.com

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N M

EA GL

N O RN VE T UN O

O RN VE EAGLEMONT GOLF COURSE Immaculate 4BD 3+BA 3358sf w/ tile & hardwood ﬂoors, white shutters & blinds. Kitchen w/granite. Master w/ en suite Jacuzzi tub. $695,000 Text R503497 to 52187

O RN VE T UN O

ONE OF A KIND LAKEFRONT Approx 1500’ frontage pristine trout fishing lake. Private wooded setting located on a dead end road. Water catchment system permit. $925,000 Text R401493 to 52187

PARK-LIKE SETTING 2 ponds & waterfall! 3BD 2BA split plan. Spacious master w/ soaking tub. Island kitchen w/ glass front cabinets. Large shop. Cov'd deck. $333,000 Text R791519 to 52187

TE RE NC CO

WATER VIEW HOME! Enjoy the peaceful view of Holmes Harbor from your spacious deck. Comfortable layout in 2BD 2 BA MH on sloped shy acre. New metal roof. $289,000 Text R737815 to 52187

NW CONTEMPORARY 55+ Active Adult Community. 2BD 1.75BA + study/den/BD with French door oﬀ tiled entry. Kitchen w/ pantry & granite. Cov'd patio w/ sun shades. $365,000 Text R802045 to 52187

EAGLEMONT GOLF COURSE Classic 7BD 4.5BA 5243sf on 12th Fairway. Curved staircase. Family room, wet bar, pool table, sauna, ﬁreplace down. $899,000 Text R661934 to 52187

GOLF COURSE VIEWS! 3BD 2BA single level Villa overlooking 13th Fairway! Formal & informal living, dining room, den w/ frplc. Kitchen w/ Island & quartz. $425,000 Text R816343 to 52187

T UN O M

EAGLEMONT 5BD 4BA 4803sf + finished MIL suite/daylight basement. Bonus room on each floor. Office with French doors on main floor. 3 car garage. Large deck. $624,990 Text R816269 to 52187

M 35.5 ACRE EQUESTRIAN FARM 3BD 1.75BA farmhouse + 3BD 2.5BA barn residence. 18,096sf arena w/ rubber matting, stalls, paddocks. Celebration hall. $1,200,000 Text R737811 to 52187

NOOKACHAMP HILLS Large lot overlooks a private lake for you to enjoy. Less than 10 minute drive to the city of Mount Vernon. All utilities are stubbed to the lot. $155,000 Text R155521 to 52187

SECLUDED Move in ready 3BD 2BA on 5.4 acres. Potential view. Open ﬂoor plan, vaulted ceilings. Newer comp roof. 4BD septic. Seller is WA State licensed Realtor. $229,000 Text R807925 to 52187

FUTURE BUILDING SITE requisite on using water catchment system to obtain building permit. Power to property. Nicely treed & level 1+ acre on paved street. $29,900 Text R718371 to 52187

CALL ONE OF OUR AGENTS FOR YOUR REAL ESTATE NEEDS DAYNA TELIDETZKI................360-708-8452 MARLENE MCCALIB................360-202-2484 SUZANNE JENKINS.................360-941-2983 BRETT TACKER........................360-840-7931 JOANN BOUDREAU...................360-391-0746 RUSS LANKER.......................360-708-1117 Page 20

360-424-0300

10201.40.6 SkagitTrad.indd 1

ELVA HUNTER.......................360-202-3086 JOHN HUNTER......................360-202-3854 CELIA MILLER.......................360-391-6065 SHIRLEY BERTHOLF.................360-840-1863 ANNETTE JOHANSEN................928-377-7101 YOLANDA SAKUMA................360-421-0435

CARLA FISCHER.....................360-982-0010 DANYA WOLF (DESIGNATEDBROKER) ...360-708-8294

www.SkagitTraditionRealty.com

5/25/2018 4:53:24 PM

LUIS HERRERA (360) 389-6714

LUIS REYES (360)303-3075

WHATCOM COUNTY, INC

luisherrera@nwhomes.net

luisreyes@nwhomes.net

Hablamos Español

M O U N T

VE R N O N

Let the power of TWO Luis’ work for you!

JUST LISTED NW CONTEMPORARY 3BD 2BA w/ huge garage & extra storage. Great functional ﬂoor plan with cozy ﬁreplace. Beautiful curb appeal. MLS:1286177 $279,900 Text R803115 to 52187

INVESTORS ALERT! Bring your tools - sweat equity to be made on this 4BD 1.75BA on corner lot w/ covered porch. Upstairs BD has separate entry. MLS:1291158 $299,000 Text R811717 to 52187

ONE LEVEL HOME 3BD 1.75BA w/ open ﬂoor plan, vaulted ceilings & skylights. Kitchen w/ granite. Circular driveway and room to park your RV. MLS:1250566 $267,900 Text R714265 to 52187

LI B

CHARMING! 3BD 2BA + full basement on almost 3 acres. New roof, ﬂoors, kitchen, cabinets, paint & windows. New electrical & plumbing. MLS:1274252 $469,000 Text R771430 to 52187

MOVE IN READY One-level 3BD 2BA. Beautiful ﬂoors in entry & kitchen. Large master suite. Open ﬂoor plan plus kitchen w/ eating bar. Fruit trees! MLS:1245014 $324,500 Text R691850 to 52187

LEVEL LOT Close to Lake Padden, Golf Course and newer Wade King elementary school. Build your dream home on this .25 acre lot. Minutes from I-5. MLS:1220655 $325,000 Text R665141 to 52187

Page 21

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DIANNE DALBEY MBA

Hendrickson Realty 135 STATE ST SEDRO WOOLLEY 98284

FREE list of homes emailed to you regularly.

Managing Broker

(360) 421-1112 CELL

Call to get on the list today!

360757sold@gmail.com

HOMEBUYERS WORKSHOP 12-6 Saturday, JUNE 30th

VE RN ON M OU NT

SE DR O

W OO LL EY

HENDRICKSON REALTY 135 STATE ST SEDRO WOOLLEY, WA Call Dianne for more info

(360) 421-1112

$469,950 - Text R646860 to 52187 ACREAGE 4BD 2BA on 6+ acres. Great for livestock, horses, gardening, or your toys. Outbuilding could be guest house.

W OO LL EY

$249,000 - Text R671339 to 52187 INCOME GENERATOR Always rented per room, bringing over $2000 per month. Good condition. 5BD 2BA.

SE DR O

CO NW AY

$219,950 - Text R754616 to 52187 REMODELED HOME All hardwood floors, cedar wood interior. Carport. Excellent condition. Two fishing lakes!

$239,950 - Text R728872 to 52187 MT VIEWS Remodeled 5BD 2BA w/ new appliances, new carpet & laminate floors. Freshly painted. New roof last fall.

"EVERYONE WELCOME" Downpayment Assistance Program - FREE!

JUST GOOD INFO Not a first time home buyer class, but the WSHFC certificate is good for 2 years toward your downpayment assistance.

Page 22

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10201.40.6 LG_FrazierWoodside.indd 1

5/25/2018 4:49:52 PM

Specializing in Eastern Skagit County Real Estate

HOMES • LAND • REC PROPERTY s y e l 360-853-8155 Val t realty 360-982-0447 Wes Office

Direct

30 years in the same location! Hwy 20 @ Sauk Valley Road, Concrete WA

FAX 853-8157 - vwrealty@frontier.com Open Daily - Sundays by Appointement

OFF-GRID A-FRAME Cabin & log sauna house. Beautiful wood ﬂoors. Wood stove on stone ﬂooring. On 2 lots in Cascade River Park. MLS:1291388 $162,000 Text R813625 to 52187

BUILDALBE LOT 80’ waterfront in Cedar Grove. Ready to Build w/ water, power & septic on site. Mt. Baker & river views. Large cedar trees. MLS:1256948 $64,900 Text R725210 to 52187

GUEST HOUSE 150’ ON THE RIVER Double lot! Main house w/ full kitchen, living rm & loft. Guest house too! Nice yard w/ lawn to enjoy river views. MLS:1286134 $205,000 Text R802029 to 52187

60’ ON THE RIVER in the Cascade River Park. 5th wheel trailer & large deck right on the river. Several storage sheds. Nice wooded lot. MLS:1282802 $60,000 Text R792726 to 52187

REMODELED 12x37 park model w/ new wood ceilings, walls & ﬂoors. Covered porch w/ stone & timber table. 2 sheds. Backs to forest. MLS:1220135 $115,000 Text R614759 to 52187

2 LOTS totalling 0.69 acres. Winter view of the Skagit River. Two separate power, water, septic connections. RV hook up. MLS:1262864 $45,000 Text R775449 to 52187

SKAGIT RIVERFRONT RV, w/ covered parking. Well and electricity on site w/ shed for storage. MLS:1287025 $65,000 Text R805601 to 52187

ADORABLE Cottage-style living w/ wood stove & picture windows. One of the most desirable lots in Lake Tyee. Views of lake & Mt Shuksan. MLS:1286623 $105,000 Text R802085 to 52187

UNIQUE PROPERTY 232’ on Skagit River. 2800sf Main House + 864sf Guest House. Large gazebo w/ ﬁre pit. Your own boat ramp! MLS:1294326 $629,000 Text R820286 to 52187

BUSINESS OPPORTUNITY 3BD house & 2 apts on 5+ acres. Former lumber mill w/ shop, 3 phase power. Drying shed. RV parking. MLS:1279233 $550,000 Text R785435 to 52187

www.ValleysWest.com Page 24

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Closing Escrow: Funding & Recording BY B A R B A R A P RO N I N

Few days are more gratifying for homebuyers – and their agents – than closing day, when the last of the paperwork has passed muster and the keys to the house change hands. But while the sentiments are the same no matter where you live, the process itself may be different. Unlike the ‘settlement’ system in some states, for example, California defines ‘closing’ not as the date when borrowers sign the final loan documents, but as the date and time the deed is recorded. A consummation date recognizes the date the borrower becomes legally obligated to the loan – and a Closing Disclosure statement is given to said borrower at least three days before they are scheduled to sign loan documents. While at this point, the borrowers no longer have the right to rescind

the purchase agreement, they may take up to three additional days to review and approve the terms and costs of the loan – and/or to rescind the loan if any of the terms have changed. In most cases, three days after delivery of the Closing Disclosure, the loan documents are, in fact, signed. Still, the closing process itself unfolds in three very separate steps: Signing the date when loan documents are signed and notarized Funding the date the lender releases funds to the escrow company Recording this is the date – the true ‘closing of escrow,’ when the deed and any other recordable documents are recorded with the County

Only after the escrow company receives confirmation from the title company that the documents have been recorded does the escrow officer verify all the charges and issue net proceeds to the seller and distribute funds to any appropriate parties. In other words, the moment the Grant Deed is time-stamped by the County Clerk is the moment the property actually changes hands – and only then may the new owners receive the keys. In California, as elsewhere, the pathway to that happy moment – including a thorough title search – can be complicated. As your escrow partner, we are committed to making it as straightforward and trouble-free as possible.

Barbara Pronin is an award-winning writer based in Orange County, Calif. A former news editor with more than 30 years of experience in journalism and corporate communications, she has specialized in real estate topics for over a decade. This material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice. You are encouraged to consult your legal, tax or investment professional for specific advice. The material is meant for general illustration and/or informational purposes only. Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy. Reprinted with permission from RISMedia. ©2018. All rights reserved.

How to Get Approved for a Home Improvement Loan By Jason Caruso

hether you're building an addition, completely remodeling or just finishing your basement, a home improvement loan can help add value and comfort to your home. There are a variety of loan options available that we detail later in this article, but before you explore those, there are four steps you should take to ensure that you'll get the money you need: Understand Your Credit History With any type of loan, a higher credit score will give you better terms for your loan. But if you have a low credit score, that doesn't mean a home improvement loan is out of reach. There are government loans, private lenders and co-signing opportunities that may be available to you. 1

Evaluate Your Equity Home improvement loans are largely dependent on the homeowner's equity, since this becomes collateral for the loan. 2

Even if you have a decent amount of equity, you will need to prove that you're capable of paying your debts plus the added debt of the home renovation loan. The final terms of your loan agreement will be determined by your ability to pay back the loan on time. Get an Appraisal The lender needs to know the overall value of your home before agreeing to certain loan terms. Not every lender will require an appraisal of your home, but it helps to be prepared in case it's requested. 3

Estimate Your Project Cost Before you apply for a loan, you should establish a baseline of estimates from professional contractors to determine how much your home improvement project could potentially cost. This will give you a good idea of how much you'll need to borrow. Seeking out contractors for estimates will prepare you for what your project could entail. For example, you might be unaware that there's mold in your walls which is something you'll definitely need to take care of—and this will add to the amount you'll need to borrow. 4

While you're figuring out the cost of your project, be sure to request estimates from several contractors so you can shop around for the best price. What Are Your Home Improvement Loan Options?

After you've completed the above four steps, you'll be ready to look into your loan options: Home Equity Line of Credit With a home equity line of credit, you're able to withdraw money as you need it during a time limit that the lender has specified. Much like a credit card, as you pay some of the balance off, your credit will revolve and you can start to withdraw again.

This line of credit can have fluctuating rates that can be higher than the rate you'd get on a fixed-rate loan, making them more risky. But there is more flexibility with a home equity line of credit than a fixed-rate loan. Home Construction Loans When it comes to home construction loans, lenders need to place a lot of trust in the builder, meaning they are usually very cautious about giving out these loans. If things go wrong, the lender could quickly realize they've made a bad investment. Because of the risk for the lender, there are precise qualifications for this type of loan, including: »» Proof of good credit and financial health »» A comprehensive list of project details (floor plans, materials, etc.) »» An estimated home value from an appraiser »» A large down payment—usually 20-25 percent »» Working with a builder that's approved by the lender Home Equity Loans A borrower uses the equity of their home as collateral under a home equity loan. The value of your property will need to be determined by a licensed appraiser, and this will determine the loan amount you are eligible to receive. Usually this requires good credit and can end up being more costly than other loan options since additional fees associated with the appraisal, originator, title and closing process can come up. FHA 203(k) Loans The federal government backs FHA 203(k) loans, which were established with the intention of revitalizing struggling neighborhoods. Under this loan, borrowers can purchase a property with the cost of repairs and upgrades included. The required down payment is as low as 3.5 percent in most instances. Make sure to follow the above steps and do your research on loan types as you're planning to renovate your home! Jason Caruso has over 15 years of experience in the financial sales and service industry. He is currently a loan officer with an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut. Caruso has a degree in business administration and marketing. This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia. Reprinted with permission from RISMedia. ©2018. All rights reserved.

THE EIGHT BEST REASONS TO USE A PROFESSIONAL PEST CONTROL COMPANY Many people consider themselves "do it yourselfers" and with all the information available online, it makes sense that many household projects can be undertaken by a layman or weekend hobbyist. When dealing with pest control issues, however, it may be a better idea to let a pro handle it instead of just buying some poison and going to town. Here are the best reasons to use a professional pest control company when you have a pest problem in your home:

1. DISCOUNT FOR ADDITIONAL SERVICES

Generally, the more services you purchase from your exterminator the more you save per service. As a result, each service becomes cheaper.

2. REFERRAL DISCOUNTS

Many pest control companies offer discounts to clients who successfully refer them to their friends. This is a way to get money back for a service you have already purchased.

3. EXCLUSION SERVICES

Once your exterminator has identified the causes of your pest issues, he/she can either perform the corrections to the structure or recommend someone who can. By changing these

conditions, pests are less likely to return.

4. PREVENTION

our pest control company is a wealth of knowledge when it comes to ways to prevent pests. They will assist you with information on what you can do to prevent termites, ants, roaches and more.

5. IDENTIFICATION

Not sure which pest is bothering you? Your exterminating company will be able to get an ID of the pest, even if you are not covered for that pest. Maybe you have a mysterious bite; again the pest control company can help.

6. FORMULATING A PLAN

A professional exterminator understands the needs of your home or business. So he/she will formulate a planned approach to the implementation of service to aide in eliminating and reducing a pest invasion.

7. RISK

Using pest control products comes with a risk to your health, the health of your family and the environment. Pest Control companies are not only trained to use pesticides safely, they are also regulated by state and national laws that help protect non target animals from exposure to the insecticides.

8. COST

The purchase price for an insecticide is generally cheaper for a professional exterminator since they are able to purchase their products at a wholesale price and in bulk. More importantly, they will use the right product for the pest that is infesting your home or business. Knowing the insect and the correct product to use is half the battle. Ants are not just ants, for example. Different species of ants may require a different type of product and application. You as the property owner may not be able to properly identify the pest; hence, spending more money on products in an attempt to correct your pest issue.

A.R.E. REALTY, INC. Mary Arendse Managing Broker, CRB,CRS,GRI,BKR,SRES, 360-661-2095 Doug Ide Broker 425-387-1688

GOLD WINNER Mary Arendse

360-856-2121 360-336-2131 800-729-7606

Evening Calls Are Welcome!

info@arerealty.com

“Your Home Team for Life”

www.arerealty.com

2017 NPSAR GOLD Award Of Excellence Winner LARGE INVESTMENT ACREAGE 00

,2 $2

235 ACRE RANCH oﬀering 10 Parcel numbers in various size acreages all inclusive with River frontage, Elk calving herd, commute-able to urban amenities, runs along Rails to Trails and is in Sedro Woolley School District! Two story structure double garages w/2nd above living quarters currently occupied to bring in $5000/month income. 5 dividable cluster building card in place on multiple elevations with capture-able water rights oﬀ Wild’s Creek and a well farmable soil type and organic status. Owner terms OAC. $2.2million. To see more photos & information, Text R789857 to 52187 BUILDING LOT inside Sedro-Woolley city limits, city utilities all in. Sewer stubbed to site. Turn-key opportunity for a custom 55+ single level stick built home. $112k all cash. Text R829669 to 52187

,9 99

,9 27

LAKE TYEE Lot has a Heavy duty RV cover and Deck. Fire pit and Shed. Property comes with an Alfa Gold 5TH Wheel featuring two slides and rear living room. Swimming Pools, Clubhouse, Tennis Courts, Beach on Private Lake. Text R764942 to 52187

LIST YOUR PROPERTY with A.R.E Realty and we make sure you have a high quality, 10 year Carbon Monoxide Detector for FREE! RCW/WA state law requires a Carbon Monoxide Detector be in all homes sold.

LIVE IN EAGLE COUNTRY! Spacious 3BD 2BD Manufactured home. Featuring a 5-piece bath & Family room. On over 1/2 acre, with space Space for RV parking. Outdoor activities available nearby. MLS:1238891 Text R677631 to 52187

RE AC

E AG

OVER 200 ACRES Look out for the Elk! 20 year old Alder regrowth in Lyman. Build your own RV park, or recreational retreat property at a fraction of the cost. Divided into 4 parcels. $2500 per acre. Text P753112 to 52187

4 LOTS LESS THAN 1 ACRE Secluded Guemes Island property. A short ferry ride from Anacortes. Great recreation property of 0.35 acres! Walking distance to water. Bring your RV! $21,000 each parcel. Text R663964 to 52187

“LET US BE YOUR HOME TEAM FOR LIFE!” 10201.40.6 ARE.indd 1

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Tracy James

Loan Originator NMLS# 1332295, WA office: 360-298-7413 cell: 206-201-9878 efax: 855-836-3810 555 Spring Street Friday Harbor, WA 98250 TracyJames@eaglehm.com tracyjames.eaglehm.com

Page 26

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PREVIEW PROPERTIES SKAGIT LLC

360.848.8900 • Toll Free (888) 558-2194

LY M A N Tavern Restaurant/bar & all equipment. Newer wiring, plumbing, freezer! Jim Spane 360-708-5141 #1229656 Text R646894 to 52187

$$5 396 9,0, 000 00 M O U N T V E R N O N new 3BD 2BA rambler on 1/2 acre lot. Oversize garage. Dave Prutzman 425-308-9397 #1279576 Text R785447 to 52187

LA CONNER Building site w/water, marina & mountain view potential! Shelter Bay. 360-848-8900 #1091168 Text R264335 to 52187

Searching for your new home?

$31 5259 ,09 00

MOUNT VERNON Breathtaking views! 3BD 3.5BA 4379sf on 2 ac in Cascade Ridge. Justin McIntyre 360-259-1785 #1270893 Text R763416 to 52187

$$2 229 9,9, 000 00

$$8 376 5,0, 000 00

$41 9259 ,09 00

www.previewskagit.com

Check out our website www.previewskagit.com to see everything available!

RAMBLER 3BD 2BA on level 1.5 Acres. Beach access thru Camano Island Country Club. Julie Cooper 360-391-0992 Just Listed! Call for details

the right home loan, right here. Susie DeVries

Mortgage loan officer, NMLS #487442 360-230-2246 – office | 360-333-0429 – cell All loans are subject to credit approval Member FDIC Equal Housing Lender

NMLS# 401867

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the right home loan, right here. Susie DeVries

Mortgage loan officer, NMLS #487442 360-230-2246 – office | 360-333-0429 – cell All loans are subject to credit approval Member FDIC Equal Housing Lender

NMLS# 401867 Page 29

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Real Estate with You in Mind,

Always!

ANACORTES

MOUNT VERNON

BURLINGTON

Sundown Court $520,000 3 BR, 2.5 BATHS Text R827147 to 52187

S 6th St $464,000 4 BR, 3 BATHS Text R740616 to 52187

S Anacortes St $292,500 4 BR, 1.75 BATHS Text R731483 to 52187

SEDRO WOOLLEY

Fidalgo St $180,000 3 BR, 1 BATH Text R661195 to 52187

Vecchio Ct $234,000 3 BR, 2.5 BATHS Text R653745 to 52187

State Route 9 $279,900 3 BR, 1.75 BATHS Text R775450 to 52187

OAK HARBOR

ARLINGTON

PUYALLUP

Ellis Way NE $179,900 3 BR, 1.75 BATHS Text R704552 to 52187

State Route 530 $385,000 3 BR, 2.5 BATHS Text R798675 to 52187

71st Ave E $193,600 4 BR, 2 BATHS Text R742138 to 52187

GRAHAM

ROY

SHELTON

95th Ave E $291,000 4 BR, 3 BATHS Text R705913 to 52187

301st Ct S $120,000 2 BR, 2 BATHS Text R742180 to 52187

Olde Lyme Rd $95,000 2 BR, 2 BATHS Text R694024 to 52187

Andrea Semanko

Joel Semanko

360.840.9309

360.941.1164

Designated Broker/Owner

Andrea@WashingtonQualityHomes.com

Broker/Owner

Joel@WashingtonQualityHomes.com

Top Ranked/Well Respected

Washington State Real Estate Brokerage Serving the Greater Puget Sound Region

10201.40.6 Semanko.indd 1

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Toll Free 1-800-869-7084 Fax 360-757-7208 P. O. Box 541, 235 West Rio Vista, Burlington, WA 98233 View any listing in this book at our website! TE REAL ESTA

www.brownmcmillen.com

360-757-6013 Kristen Tuttle Galen Kindred Jeff Ingman Jodi Dynes

708-8392 770-7083 202-2859 333-7783

Evening Phone Calls Welcome

Tim Reichert Mary Jo Reitsma Jan Scally Dale Owenby Dana Holmes Yvonne Brown

391-5587 770-6013 421-5160 913-8662 770-6716 840-4375

Holly Hilts Shelah Inman Fritz Inman Ron Worthman Travis Lohman Tod LeHecka

661-5538 661-0145 661-0147 661-1500 661-4533 333-1032

CUSTOM BUILT BEAUTY on over 5 private acres. 4BD 2.5BA 3,370sf w/ oﬃce, sun room, spacious kitchen, creek to one side, ﬁre pit on the other!Stunning lake/ mountain views, & only 1 stop sign to the freeway! MLS:1274478 $749,000 Text R792722 to 52187

SPACIOUS Custom built 3BD 4BA farm style home that sits on 4+ acres in beautiful country setting. Downstairs master, lovely kitchen, over the garage tv/game room, & deck oﬀ back to enjoy the great views. Large shop too! MLS:1275734 $589,900 Text R775463 to 52187

BEAUTIFULLY RESTORED 4BD home on 5.1 acres plus barn w/ loft. This historic home is 3882sf and loaded w/ original charm. Kitchen w/ granite, formal living/ dining area, loads of storage, & so much more! MLS:1260338 $898,000 Text R753947 to 52187

HARD TO FIND 4.95 acre lot in Marblemount. 3BD 2.5BA 2088sf home Chalet style with lofted family/rec room. Wood-burning & propane free-standing stoves. MLS:1288316 $250,000 Text R816302 to 52187

RUSTIC Very interesting 2BD home with vaulted ceilings in living/dining room. Wood stove for heat. Lot is nicely wooded with evergreen trees, vegetable garden, & outbuildings. MLS:1242552 $109,500 Text R684489 to 52187

GREAT LOCATION with nice privacy. Nice open living room, dining room, & kitchen area. Large full bath, 2BD plus additional ﬁnished room. Attached carport, & storage buildings. 55+ park. MLS:1260339 $27,500 Text R733224 to 52187

SALTWATER VIEWS from every room! Spacious 4BD 2.75BA home w/ approximately 120' high bank waterfront. Samish Island is famous for it’s crabs, clams, & oysters. MLS:1265732 $375,000 Text R748152 to 52187

BUSINESS OPPORTUNITY Wholesale bakery. Sale includes all equipment, supplies, customer list & wonderful recipes. 2 days of training included. Wonderful opportunity! MLS:1280634 $28,000 Text R786202 to 52187

COMMERCIAL 70,131sf commercially zoned site. 290' of level frontage on the Memorial Hwy. Paved parking for approx 300 vehicles. Good investment property! MLS:1255522 $1,495,000 Text R720802 to 52187

Brown-McMillen Real Estate Proudly Serving Skagit County For 47 Years!

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2012-2017 NPSAR GOLD AWARD WINNER

KELLER WILLIAMS REALTY | ERIK PEDERSEN REAL ESTATE TEAM

– For a Private Showing Call–

Western Realty 425 Commercial Street, Suite 200 Mount Vernon, WA 98273 office: 360-391-0000

360.391.1935 ErikPedersenGroup.com

SHY 20 ACRE EQUESTRIAN PROPERTY W MID-CENTURY RAMBLER

19.4 ACRES w 11-stall barn, 60 x 120 arena, shop, duck-pond, pastures and a classic one-level home w pool. Set well back from the road. Sprawling 2,651sf 2BD 2.25BA and a possible 3rd BD if needed, fml living room, fam room & amazing trophy room. Move-in ready, with all the 50’s charm you expect. Come explore this rare ﬁnd. $750,000 To see more photos & information, Text R802073 to 52187

NEW CUSTOM IN EAGLEMONT

ONE LEVEL LIVING AT ITS FINEST

PRICE JUST REDUCED

IMPRESSIVE 2,975sf 3BD 2.5BA. w frml lvng, dng rm w btlr’s pantry, & GR w stone gas f/p & balcony. Granite, SS. Master w tub & sep shwr, lrg W/I clst. Crft/ply rm, hrdwd ﬂrs. $579,000 Text R669826 to 52187

SPACIOUS 2,315sf 3BD 2.25BA w vltd grt rm, oﬃce & lux mstr. Granite, upgrd appl, oak ﬂrng, Chihuly-style lghtng, wainscot, rock fp, maple cbnts. New deck, 3-car & AC. $559,000 Text R759257 to 52187

OUTSTANDING 2,768sf w/ 3BD+ den 3BA and upgrades, incl granite, custom master closet & garage w storage. Patio w water feature. HOA maintained common areas. $499,900 Text R759267 to 52187

FULLY REMODELED SOLAR HOME

NEW RAMBLER IN FOREST RIDGE

INVITING ONE-LEVEL HOME

GORGEOUS 2,163sf 4BD 2.75BA home w granite, SS, eating bar, wood ﬂrs, master w spa-like bath, ductless heat/air. Yard, patio, grdn shed. E-Z care vinyl fencng. $414,950 Text R789819 to 52187

HANDSOME 1,853sf 3BD 2BA home w 3 car garage. Vaulted Grt Rm, kitchen w eating bar, granite, upgraded cabinets, eng. hardwood, smart panel, high-e gas. $399,950 Text R684484 to 52187

WELL-CARED FOR 1288sf 2BD 1.75BA charmer w 2 lvng areas, ktchn w plenty of cabinet & counter space, lg laundry w sink, shop. Garden w shed, veggies, & fruit trees. $270,000 Text R820302 to 52187

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